Afterpay US Loyalty Program (“Pulse by Afterpay”) Terms & Conditions

Updated February 2023

These Afterpay Loyalty Program Terms and Conditions (“Loyalty Terms” or “Terms”) govern your participation in the Afterpay Loyalty Program (“Loyalty Program” or “Program”) known as “Pulse by Afterpay” and constitute a legally binding agreement between you and Afterpay US, Inc and Afterpay US Services, LLC (“Afterpay,” “we,” “us”). By joining the Program, you confirm that you have read and agree to be bound by these Terms.

These Terms govern your participation in the Afterpay Loyalty Program. Participation in the Program is subject to these Terms, the Afterpay US privacy policy, Afterpay US Terms of Service as well as any other agreements between Loyalty Program participants and Afterpay such as any applicable Afterpay Installment Agreement. Any defined terms contained herein shall have the same meaning as those in the Afterpay Terms of Service or in the Installment Agreement. If there is any conflict between the Afterpay Terms of Service or Installment Agreement and these Loyalty Terms, the terms of these Loyalty Terms shall control. If you do not agree to these Terms you may not be a part of the Program or use any of the benefits of the Program. The Afterpay US Terms of Service shall apply, if necessary, to resolve any disputes between you and Afterpay related to your participation in the Loyalty Program. 

1. The Afterpay Loyalty Program

The Program is offered by Afterpay and allows customers who qualify pursuant to the Program Eligibility Criteria below to participate in the Loyalty Program pursuant to these Terms. Participants in the Loyalty Program are eligible for certain benefits if they meet the eligibility criteria outlined below.   

2. Program Eligibility Criteria

To be eligible to participate in the Loyalty Program, you must: (a) be a legal resident of one of the fifty (50) United States or the District of Columbia; (b) be over the age of 18, or over the age of majority in the state or jurisdiction in which you reside; (c) have a registered U.S. address to your Afterpay account, and (d) maintain an active Afterpay account in good standing as determined in Afterpay’s sole discretion throughout the duration of the Loyalty Program. If you violate the Program Terms or any of the Afterpay Terms of Service, or any agreement between you and Afterpay, including the Installment Agreement, Afterpay may, at its discretion, suspend or terminate your ability to participate in the Loyalty Program. 

In order to qualify for the Loyalty Program, you must meet the above criteria in this Section 2 and confirm your participation through your Afterpay account. 

3. Eligibility Periods and Eligibility Start Date

Eligibility Periods will vary depending on whether you are an existing Program member or if you join the Program after June 23rd 2021 (New Loyalty Members).

Existing Program Members: Your Eligibility Periods remain the same and will not change from January 1 to June 30 and July 1 to December 31 each calendar year.  

New Program Members: New Program Members are defined as those who confirm their eligibility for the Program and their participation in the Program as of June 23rd 2021).  

For those who created their Afterpay account before the June 23rd 2021) date and confirm their participation as of June 23rd 2021), their Eligibility Period will start from the calendar month of the June 23rd 2021) and end six months after that date. For those created their Afterpay account after the June 23rd 2021) and join the Program after the June 23rd 2021), Eligibility Periods will be from the calendar month you created your Afterpay account and end six (6) calendar months after that date, with two Eligibility Periods every calendar year.

See Table 1 for Eligibility Periods for New Loyalty Members who create their Afterpay account after June 23rd 2021:

Table 1: Eligibility Periods For New Customers

Sign Up Date Eligibility Periods

November 1 to November 30 November 1 to April 30; and May 1 to October 31

December 1 to December 31 December 1 to May 31; and June 1 to November 30

January 1 to January 31 January 1 to June 30; and July 1 to December 31

February 1 to February 28 (or last date in February for that calendar year)February 1 to July 31; and August 1 to January 31

March 1 to March 31 March 1 to August 31; and September 1 to February 28

April 1 to April 30 April 1 to September 30; and October 1 to March 31

May 1 to May 31 May 1 to October 31; and November 1 to April 30

June 1 to June 30 June 1 to November 30; and December 1 to May 31

July 1 to July 31 July 1 to December 31; and January 1 to June 30

August 1 to August 31 August 1 to January 31; and February 1 to July 31

September 1 to September 30 September 1 to February 28; and March 1 to August 31

October 1 to October 31 October 1 to March 31; and April 1 to September 30

Once you meet the Loyalty Program eligibility requirements, you will be able to participate in the Loyalty Program immediately and through the next Eligibility Period. For example, if you become eligible for the Loyalty Program on January 1, you may participate in the Loyalty Program through April 30 of that year as well as the next Eligibility Period from May 1 to October 31 of that year.

4. Disqualification From Eligibility

Disqualification Due To Number Of Late Payments

After you choose to be part of the Loyalty Program and you have more than one (1) late payment during your Eligibility Period, (including any late payments made before you confirm your participation in the Loyalty Program) you will be immediately placed in the Gold Tier (as defined below) and you not eligible to earn any more points for the current Eligibility Period. A late payment is any payment that is not paid on or before the due date for the payment regardless of whether any applicable late fee is charged.  

If an installment is overdue but later the status is changed to non-overdue due to a date change or is waived due to a return or other circumstance, the installment will still be determined to be late for disqualification from Loyalty Program purposes. 

The number of late payments that will immediately place you in the Gold Tier (as defined below) will re-set at the start of each Eligibility Period.  

5. Tiers and Benefits

Once you choose to participate in the Loyalty Program, you will be placed in one of the following four tiers: Gold, Platinum, Diamond and Mint (each a “Tier”) based upon your activity during your Eligibility Period. Existing Program members will be placed in a Tier based upon activity during the then-current Eligibility Period. 

Going forward, you will earn points as set forth below during each Eligibility Period based on your behaviour as an eligible customer which can move you up the different Tiers. The Eligibility Criteria for each Tier is listed below:

• Gold: 0 - 99 points
• Platinum: 100 - 299 points
• Diamond: 300 - 499 points 
• Mint: 500 or more points

You will receive specific benefits based upon the Tier in which you qualify for and the points you earn during the Eligibility Period in which you qualify for participation in the Loyalty Program and the immediately following Eligibility Period (For example if you are a new Loyalty Member and your Eligibility Periods are March 1 through June 30, you will have the Benefits below from March 1 through June 30 and from July 1 to December 31 of that year):

How To Earn Points

Each on-time payment you make on an Afterpay purchase above $40: 10 points

Points from on-time payments start accumulating after enrollment.

Bonus Points

• The first on-time payment for any Afterpay purchase above $40 (one time only and only available if achieved on or after June 23rd 2021): 10 points

• Downloading and logging into the Afterpay app (one time only and only available if achieved on or after June 23rd 2021): 20 points

• Making your second ever purchase (online or in-store, one time only and only available if achieved on or after June 23rd 2021): 40 points

• Making your first in-store purchase (one time only and only available if achieved on or after June 23rd 2021): 20 points

• Making your first purchase from a retailer classified by Afterpay as a small business (online or in-store, once per Eligibility Period): 20 points

• Making your first purchase from a retailer classified by Afterpay as an ethical and sustainable brand (online or in-store, once per Eligibility Period): 20 points

Please note, if one of your transactions meets multiple Bonus Points criteria, you will only be awarded the achievement in the Bonus Points category with the highest points offered. Multiple achievements will not stack. Your points reset back to zero at the beginning of each Eligibility Period.

Moving Across Tiers

During each Eligibility Period, you will earn points that will determine your Tier in your current Eligibility Period, and the following Eligibility Period. You will also be able to access the additional benefits of a higher Tier if you meet the point threshold within the Eligibility Period - you will have the benefits of the higher Tier for the remainder of the current Eligibility Period and also will begin the following Eligibility Period at that new Tier.

For example, if you are a New Program Member who has just joined Afterpay and the Loyalty Program, you will be immediately placed in the Gold Tier and will have access to the Gold Tier benefits. If you decide to use these benefits by using 1 of your 3 allocated changes of payment date per calendar year, you will have 2 changes of payment date remaining. Afterwards, you manage to earn 150 points before the end of your initial Eligibility Period. You will now have the benefits of the Gold Tier for the remainder of the first Eligibility Period (including now having up to 6 allocated changes of payment date for the calendar year). You will also begin the following Eligibility Period in the Gold Tier. 

Similarly, if you are an Existing Program Member who begins an Eligibility Period in the Gold Tier and subsequently earn more than 400 points in that period, you will have the benefits of the Mint Tier for the remainder of the Eligibility Period where you earned more than 400 points, and begin the following Eligibility Period in the Mint Tier.

If you make more than one (1) late payment in any Eligibility Period, you will immediately be placed in the Gold Tier, regardless of your then current Tier, and will only be able to resume earning points once the next Eligibility Period begins.

Tier Benefits (per 6-month Eligibility Period, except where noted)

Gold (0-99)

• A $5 welcome offer for your first in-store purchase and second purchase (lifetime)
• Option to change up to three (3) payment dates per calendar year on existing and future Afterpay orders (a delay of up to 7 days for each change of payment date)

Platinum (100-299)

• Exclusive retailer offers (1 offer per 150 points earned)
• Option to change up to six (6) payment dates per calendar year on existing and future Afterpay orders (a delay of up to 7 days for each change of payment date)
• Access to retailer gift cards

Diamond (300-499)

• Access to retailer gift cards
• Option to change up to six (6) payment dates per calendar year on existing and future Afterpay orders (a delay of up to 7 days for each change of payment date)
• Exclusive retailer offers (1 offer per 150 points earned)

Mint (500+)

• Exclusive retailer offers (1 offer per 150 points earned)
• Option to change up to six (6) payment dates per calendar year on existing and future Afterpay orders (a delay of up to 7 days for each change of payment date)
• Access to retailer gift cards
• No payment up front on eligible orders of $400 or less
• First to know about sales from your favorited merchants

In addition to the above, you may also be invited to select Afterpay promotions, offers and features where additional terms may apply. Please also note: 

• No payment up front on eligible orders of $400 or less, if this feature is available in your jurisdiction. To be eligible for this benefit, you must have been an Afterpay customer for at least one (1) year, and the transaction must be at least one (1) year from the date of your first purchase. The total order value must be less than $400, including taxes, shipping, and other charges.  If your purchase is eligible for this benefit, you will be able to activate this feature, and you will receive a message that you have nothing to pay at the time you complete your order if an order is eligible for no payment up front.
• The no payment up front feature is not available on Afterpay gift cards.
• The no payment up front feature is not available in Idaho due to state legal restrictions.

Afterpay reserves the right to hold back or otherwise suspend Loyalty Program benefits in its sole discretion to investigate compliance with Afterpay’s policies.  

6. Limitation of Liability

To the extent not prohibited by law, under no circumstances shall we, our subsidiaries, partners, or affiliates, be liable to you for: (a) personal injury or any indirect, incidental, consequential, special or exemplary damages, arising from or relating to these Terms or the Loyalty Program; or (b) except as required under applicable law, any indirect, incidental, consequential, special or exemplary damages, arising from or relating to the conduct of you or anyone else in connection with the Loyalty Program. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY. ACCORDINGLY, SOME OF THIS SECTION MAY NOT APPLY TO YOU. You agree that if any lawsuit or court proceeding is permitted under these Terms, the aggregate liability of Afterpay and our affiliates and suppliers to you for all claims arising out of or related to these Terms or your use or inability to participate in the Loyalty Program will not (other than as may be required by applicable law in cases involving personal injury) exceed the amount of five hundred U.S. dollars ($500.00). These limitations will apply even if the above stated remedy fails of its essential purpose.

7. Release and Indemnity

By participating in the Loyalty Program, you agree to release, indemnify and hold harmless Afterpay, its parent, affiliates, subsidiaries, and the directors, officers, agents, representatives, shareholders, employees, successors, and assigns of thereof from any and all liability for loss, harm, damage, injury, cost, or expense whatsoever, including without limitation, economic loss, property damage, personal injury (including emotional distress), and/or death, arising out of or related to participation in the Loyalty Program, any Loyalty Program-related activity, and/ or acceptance, receipt, possession, or use/misuse of any benefits of the Loyalty Program; as well as any claims, liabilities, damages, losses and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way related to: (a) your breach or alleged breach of these Terms; (b) your violation of any rights of a third party, including but not limited to any negligent or willful misconduct of your employees, contractors, or agents, or a breach of any contracts or other relationships between you and third parties; (c) your violation of any applicable law; or (d) your failure to provide and maintain true, accurate, current and complete information in connection with your participation in the Loyalty Program. You shall cooperate as fully as reasonably required in the defense of any such claim. Afterpay reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of Afterpay. For the avoidance of doubt, this indemnification, defense and hold harmless obligation will survive these Terms and the termination or disqualification of your participation in the Loyalty Program. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, LOYALTY PROGRAM BENEFITS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND AFTERPAY HEREBY DISCLAIMS ALL SUCH WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT.   

8. Loyalty Program Changes and Termination / Reservation of Rights

Afterpay may discontinue the Loyalty Program at any time and reserves the right to change the Loyalty Program Terms including eligibility criteria and benefits at any time without prior notice at Afterpay’s sole discretion. If any modification is unacceptable to you, your only recourse is to opt out of the Loyalty Program by contacting us at help.afterpay.com. Without limiting the foregoing, Afterpay may suspend your participation in the Loyalty Program indefinitely to investigate potential violations of Afterpay’s policies without prior notice to you.

Afterpay reserves the right to cancel, suspend, and/or modify this Loyalty Program, or any part of it, if any fraud, technical failures, or any other factor impairs the integrity or proper functioning of this Loyalty Program, as determined by Afterpay in its sole discretion. Afterpay reserves the right to withhold or remove benefits of the Loyalty Program in the event that Afterpay, in its sole discretion, determines or believes that the receipt of benefit was in error, fraudulent, illegal, or in violation of the Loyalty Program Terms or the Afterpay Terms. The preceding in no way precludes Afterpay from taking other actions against such individuals to protect its rights.  

Any and all changes and/or amendments to these Loyalty Program Program Terms will become binding upon all participants to the Loyalty Program immediately.

9. Additional Terms and Conditions and Restrictions

Any and all changes and/or amendments to these Loyalty Program Terms will become binding upon all participants to the Loyalty Program immediately.

10. Interpretation of Program Terms

All interpretations of these Program Terms will be at Afterpay's sole discretion Afterpay's decisions will be final.

11. Privacy

By participating in the Loyalty Program, you agree to Afterpay’s collection and use of your personal information and acknowledge that you have read and accepted Afterpay’s U.S. Privacy Policy, located at https://www.afterpay.com/privacy-policy. In addition to any use outlined in Afterpay’s U.S. Privacy Policy, Afterpay may also use personal information for promotional, marketing, publicity, research and purposes, including sending electronic messages or telephoning you. 

12. Waiver

The waiver by Afterpay of a breach of any provision of these Terms by a Program participant shall not operate or be construed as a waiver of any other or subsequent or preceding breach by a Program participant. Afterpay’s failure to enforce any provision of these Loyalty Program Rules in a given circumstance does not constitute the waiver of such provision. No waiver by Afterpay of any right under the Loyalty Program shall be construed as a waiver of any other right. Afterpay shall not be required to give notice to enforce strict adherence to all terms of the Loyalty Program.  

13. Questions

If you have any questions about the Afterpay Loyalty Program, please contact us at help.afterpay.com. 

*Eligibility period may be referred to in relation to the Afterpay Loyalty Program as “Earnings period.”

PLEASE RETAIN A COPY OF THESE TERMS FOR YOUR RECORDS AND PLEASE CHECK THIS PAGE FOR ANY CHANGES TO THESE TERMS.